Backup clones have existed for years. They're in that "New Frontiers" mission chain. And they have memory gaps.
It's always been about the practicality, rather than the possibility. Clone vat machines, and the technicians that service them, and the biotechnicians that construct the clones and maintain them in readiness, these are not cheap and plentiful, never have been, unlikely they ever will. If it takes a team of say 20 people to maintain a backup clone of 1 individual all year round, then there's never going to be clone backups for everyone.